Saving & Budgeting

Setting budgets and building savings can help you meet financial goals. Get strategies and tips to better manage your money.

Setting budgets and building savings can help you meet financial goals. Get strategies and tips to better manage your money.

Most Popular

Reworking your work-from-home budget

Learn more about the costs that come with working from home and tips to help manage your expenses.

Read more

Get real talk about real financial questions

Watch now

Let's talk managing finances in our new at-home lifestyles

Watch now

11 money moves to make after a job loss or pay cut

After a job loss or pay reduction, these 11 money management moves will help stabilize your personal finances now and prepare you for the future.

Read more

3 questions for your at-home learning budget

Remote and virtual learning are more common than ever in today’s environment. Understand the different options and their costs to find the best fit for your family.

Read more

Creating a budget

A personal budget can help you take control of your spending and saving. This template can help you get started to help reach your short- or long-term goals.

Read more

Do I need insurance when renting a car?

If you're renting a car, you should consider adding insurance. Learn about the benefits to decide if it's right for you.

Read more

Spending Analysis Tool

Use tool

Savings account or CD: Which is right for you?

View infographic

5 steps to get started with saving

Small changes can yield big benefits when it comes to saving. Follow these 5 basic steps to start saving and making financial progress.

Read more

Options for people who don’t like to budget

Watch video

8 simple ways to save money

It can be difficult to start saving money. This step-by-step guide can help you develop a realistic plan.

Read more

6 simple steps to jump-start your emergency fund

You know you need to save several months of living expenses. But how? These tips will help you set aside the cash you need.

Read more

Tips for planning an affordable vacation

View infographic

Your travel checklist: 10 tips for a worry-free vacation

Don't let money get in the way of your hard-earned vacation. Avoid surprises and help make your next trip the best yet with this 10-point travel checklist.

Read more

Pay down debt or save? 5 questions to help you decide

View infographic

Tips to save money

View infographic

Ways to save on your monthly bills

Watch video

Steps to better money management

Watch video

How to save money every day

Watch video

3 guiding principles for parents with adult children living at home

When adult children move back home, prepare to help them lay a foundation for future independence using these tips.

Read more

7 steps to stay financially fit

Assessing your financial status regularly can benefit you today and down the road. Here are 7 steps to consider that can help get you financially fit.

Read more

How to manage your bills: A step-by-step guide

Paying bills isn’t going to be fun, but it can be easier. Learn simple ways to get organized so you can stay on top of your expenses.

Read more

Marriage and Money: 10 tips for financial bliss

When it comes to your marriage, talking about money goes a long way. This 10-point checklist can help you start your partnership on the right financial foot.

Read more

10 ways to earn extra cash

Whether it's for bills, saving or for fun, we can all use some extra cash from time to time. Here are 10 ways to make a little extra money.

Read more

How to set achievable financial goals

Try these 4 simple strategies to set and achieve realistic financial goals without having to make major life changes.

Read more

How to balance your family’s savings priorities

Saving for yourself is hard enough, but when you save for a family, things can get complicated. Learn how to plan and prioritize so you can save for your family’s short- and long-term goals.

Read more

International tipping guide: When to tip abroad

View infographic

How to pay when you’re traveling abroad

Use these valuable tips to help you prepare for the financial questions you may face when traveling internationally.

Read more

Spending: How do you stack up?

View infographic

7 strategies for living on a single income

If you’re thinking of making the transition from multiple paychecks to living off a single income, these 7 tips can help you adjust.

Read more

6 creative ways to give money as a gift

Giving money as a gift, while incredibly useful and helpful, can feel uncomfortable and impersonal. Here are 6 ways you can add a personal touch to a gift that keeps on giving.

Read more

How to start an emergency fund and how much to save

Watch video

Tools that help make saving simple

From automatic payments to credit card rewards, learn about simple ways to reach your savings goals.

Read more

How to set a budget and stick to it

Watch video

Are you financially prepared for a baby?

You've got a lot on your mind with a new baby on the way. Learn 6 simple steps to help you prepare before your new family member arrives.

Read more

Couples and money: How to navigate money matters without rocking the boat

Talking about money with your partner is difficult. These steps can help you better discuss and manage finances together.

Read more

Teen guide: What it really costs to be in the driver’s seat

View infographic

How to prioritize your savings goals

View infographic

Your aging parents’ money: How and when to help

It can be hard for parents to ask for help handling their finances—even when they need it. Learn how you can start the conversation and how to assist your aging parents.

Read more

Financial independence: How to break up with your parents

Nobody says adulting is easy. From healthcare to credit strategies, see seven ways you can plan for financial independence.

Read more

Financial checklist for transitioning military members

Transitioning to civilian life can feel overwhelming. Try this checklist to help you stay organized and plan accordingly.

Read more

8 money tips for gig workers and the self-employed

Learning how to manage finances as a freelancer may be difficult when your income fluctuates. Get 8 financial tips for the self-employed to stay on budget—and even save money.

Read more

Coping with the cost of caregiving

Being a primary caregiver can mean big financial responsibilities. Try these strategies to help reduce expenses and stress.

Read more

Spending on kids: Why it helps to say no

Saying yes to spending on your kids can have a negative impact on your finances. Here’s some advice on when to say no.

Read more

How to keep your holiday spending on budget

Need help with holiday shopping and budgeting to avoid overspending this year? Keep your holiday spending in check with these 10 holiday shopping tips.

Read more

Avoid sneaky travel fees: A quick-hit checklist

View infographic

How much should you save for emergencies?

View infographic

Organizing your bills

Use worksheet

Teen guide: 5 steps to saving for something you really want

Got your eye on something? It helps to have a gameplan. Get some tips on how to save for your first big purchase.

Read more

The caregiver's financial guide

Becoming a caregiver is an important decision. Ask yourself these five questions to help guide you through the choices you'll have to make.

Read more at MerrillEdge.com

Your options when caring for aging parents

There are many options available to help you care for your aging parents - and ways to finance the costs. Before you make a decision, know all the options as well as the tax implications. 

Read more at MerrillEdge.com

Kids or parents moving in

It's increasingly common for parents, adult children and grandchildren to live together. Learn how to prepare for life in a "multigenerational" household.

Read more at MerrillEdge.com

Widowhood: The loss couples rarely plan for—and should

Emotionally, no one is ever prepared for the death of a spouse. Financially, here are the steps couples can take now to be ready.

Read more at Merrill.com

Caring for a sick or elderly loved one

If you're faced with taking on the responsibility of caring for an aging or ill loved one, these resources can help.

Read more at MerrillEdge.com

Receiving an inheritance or unexpected assets

These tips can help you prepare to manage an inheritance or unexpected new wealth.

Read more at MerrillEdge.com

What do 0% interest rates mean for you?

As we continue to feel the impacts of the coronavirus, changing interest rates can impact everything from mortgages to student loans.

Read more

Important financial questions to talk about in 2020

Watch video

Financial guidance to help with the impact of coronavirus

Tips to help navigate the current environment and what you can do to plan ahead.

Read more

Teen guide: How to handle your first debit card

View infographic

Divorce in mid-life: Fresh starts, new financial challenges for women

When a marriage ends, women often see a larger drop in income than men. Consider these key points as you make decisions about splitting your finances as well as your lives.

Read more at Merrill.com

Investing involves risk including loss of principal.

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”).

MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC, and a wholly-owned subsidiary of BofA Corp.

Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.

Investment products:

Are Not

FDIC Insured

Are Not

Bank Guaranteed

May Lose Value